The earnings call presented a strong financial performance with exceeding consensus estimates, robust revenue growth, and solid credit metrics. However, challenges persist in commercial loan growth and the impact of tax policy changes on the solar lending business. While the highlights outweigh the lowlights, indicating strong performance, the presence of significant challenges and uncertainties creates a balanced sentiment.

Company Guidance -

Q3 2025

During the Fifth Third Second Quarter 2025 Earnings Conference Call, the company reported an earnings per share of $0.88, or $0.90 excluding certain items, surpassing consensus estimates. Adjusted revenues increased by 6% year-over-year, propelled by a 7% growth in net interest income (NII). The adjusted pre-provision net revenue (PPNR) rose by 10%, accompanied by 250 basis points of positive operating leverage, marking the third consecutive quarter of such leverage. Key profitability metrics were robust, with an adjusted return on assets of 1.2%, an adjusted return on tangible common equity of 18%, and an efficiency ratio of 55.5%. Credit metrics also exhibited strength, with net charge-offs at 45 basis points, at the lower end of the guidance range, and non-performing assets (NPAs) declining by 11% sequentially. Tangible book value per share saw an 18% increase over the prior year and a 5% sequential rise. The company highlighted strategic investments yielding results, citing a 5% average loan growth over the prior year and strong loan growth across various categories, including commercial and industrial (C&I), commercial real estate (CRE), and consumer lending sectors. Fifth Third also announced plans to raise full-year guidance on NII, anticipating record NII in 2025 even without rate cuts, alongside resuming share repurchases in the third quarter.

Earnings Exceed Consensus Estimates

Earnings per share reported at $0.88 or $0.90 excluding certain items, exceeding consensus estimates.

Strong Revenue and Loan Growth

Adjusted revenues grew by 6% year-over-year, led by 7% growth in Net Interest Income (NII). Loan growth was robust at 5% over the prior year.

Positive Operating Leverage

Achieved 250 basis points of positive operating leverage, marking the third consecutive quarter of such improvement.

Strong Credit Metrics

Net charge-offs at 45 basis points, at the lower end of guidance. Non-performing assets (NPAs) declined 11% sequentially.

Southeast Expansion Success

Consumer Bank in the Southeast grew net new households by 6% over the prior year. Opened 10 branches year-to-date, with plans for another 40 by year-end.

Technology and Innovation

Fifth Third mobile app recognized as #1 in user satisfaction among regional banks. Plans to embed AI-enabled functionality into the mobile app.

Fifth Third Bancorp (FITB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

FITB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 17, 2025	2025 (Q3)	0.94 / -	0.78	―	―	―
Jul 17, 2025	2025 (Q2)	0.87 / 0.88	0.81	8.64% (+0.07)
Apr 17, 2025	2025 (Q1)	0.70 / 0.71	0.7	1.43% (+0.01)
Jan 21, 2025	2024 (Q4)	0.88 / 0.85	0.72	18.06% (+0.13)
Oct 18, 2024	2024 (Q3)	0.83 / 0.78	0.91	-14.29% (-0.13)
Jul 19, 2024	2024 (Q2)	0.85 / 0.81	0.82	-1.22% (>-0.01)
Apr 19, 2024	2024 (Q1)	0.68 / 0.70	0.78	-10.26% (-0.08)
Jan 19, 2024	2023 (Q4)	0.77 / 0.72	1.01	-28.71% (-0.29)
Oct 19, 2023	2023 (Q3)	0.82 / 0.91	0.91	0.00% (0.00)
Jul 20, 2023	2023 (Q2)	0.83 / 0.82	0.76	7.89% (+0.06)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

FITB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 17, 2025	$43.05	$42.61	-1.02%
Apr 17, 2025	$34.09	$33.84	-0.73%
Jan 21, 2025	$43.52	$44.04	+1.19%
Oct 18, 2024	$44.15	$43.47	-1.54%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Fifth Third (FITB) report earnings?

Fifth Third (FITB) is schdueled to report earning on Oct 17, 2025, Before Open (Confirmed).

What is Fifth Third (FITB) earnings time?

Fifth Third (FITB) earnings time is at Oct 17, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is FITB EPS forecast?

FITB EPS forecast for the fiscal quarter 2025 (Q3) is 0.94.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing